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A tax-efficient way for business owners to provide life cover for themselves and their employees, without it being treated as a P11D benefit.

 

  • Cost-effective protection – premiums are usually paid by the company and treated as an allowable business expense.
  • Tax advantages – benefits are typically paid free of income tax and National Insurance for both employer and employee.
  • Ideal for company directors – especially where pension contribution limits apply, or a group scheme isn’t viable.
  • Personal cover, company paid – written in trust for your family, sitting outside your estate for inheritance tax purposes.
  • Flexible and portable – cover that can move with you if you change employer.
  • Simple to set up – our advisers handle the paperwork and liaise directly with providers.

 

Speak to us about protecting yourself and your team, tax-efficiently.

 

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